#1. Five Great Ideas to Save Money by Titus Maduwa

Want to save money but don’t know how?  Feel like depriving yourself when it comes to saving money?  Don’t be disheartened.  Try these five money-saving ideas, without breaking up a sweat!

1. Reduce or eliminate magazines.  If you are a typical American family, your mailbox gets its regular fill of magazines: business, sports, home and garden magazines.  Can you imagine how much each of these subscriptions cost?  Annually, it is an average of about $20 per magazine.  If your family is subscribed to 5 different magazines, that’s already $100 savings per year!  If you still need the information from such mags, try to check out their websites and you’ll be surprised at how much free information is available! 

2. Buy in bulk.  How can warehouse and discount clubs drastically lower their prices?  Because they buy and sell in bulk.  And so should you! Consumables that are non-perishable can be purchased 10-15% cheaper when bought in bulk.  Be sure to stock up only on fast-moving items such as kitchen towels, cleaners, canned goods, etc., to avoid wasting money on rancid food.

3. Eat at home.  Eating out has become an American lifestyle.  What used to be an activity to celebrate special occasions has become part of the daily, fast-paced life.  But did you know that eating out could chomp as much as 40% of your budget for food?  That’s as much as $40 weekly, saved just by eating in!  

4. Plan your meals.  Eating out 4X a week need not be your solution to a dynamic lifestyle.  Menu planning is! Take time on weekends to plan for the following week’s meals.  Every night, before you hit the sack, take out the ingredients for the meals of the next day from the freezer, and store them in the refrigerator.  By the time you get home from work, everything is thawed and ready to be cooked.  And because eating out is part of the American way of life, you would have saved enough money to spend on dining out on special occasions!

5.Homemade skincare.  Is your dermatologist eating up your budget? Don’t you wish you can be beautiful and save money at the same time? The answer is yes, you can!  By using ingredients from your pantry, you can take care of your skin and still save a fortune.  Try the following:

- Honey and oatmeal can exfoliate dry skin.

- Ginger seeped in a bath softens your skin.

- Cucumber and milk soften tired skin.

Without drastically changing your lifestyle, you have started your path to saving money.  Secure your future by using these money-saving ideas, today! 

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   # 1 International Author Titus Maduwa

* "A Better You" Your 7 days program to self-improvement By Titus Maduwa

 I seem to lost count on how many times I've read and heard of celebrity marriages failing almost left and right. Not that I care (and personally I don't), it seems strange that we often see movie and TV stars as flawless people, living the fairy tale life of riches and glamour. I suppose we all have to stop sticking our heads in the clouds and face reality.

There are many ways to lose your sense of self-esteem despite of how trivial it could get. But whatever happens, we should all try not to lose our own sense of self.

So what does it take to be a cut above the rest? Here are some of the things you can think and improve on that should be enough for a week.

1. Know your purpose 

Are you wandering through life with little direction - hoping that you'll find happiness, health and prosperity? Identify your life purpose or mission statement and you will have your own unique compass that will lead you to your truth north every time.

This may seem tricky at first when you see yourself to be in a tight or even dead end. But there's always that little loophole to turn things around and you can make a big difference to yourself.

2. Know your values 

What do you value most? Make a list of your top 5 values. Some examples are security, freedom, family, spiritual development, learning. As you set your goals for 2005 - check your goals against your values. If the goal doesn't align with any of your top five values - you may want to reconsider it or revise it.

The number shouldn't discourage you, instead it should motivate you to do more than you can ever dreamed of.

3. Know your needs 

Unmet needs can keep you from living authentically. Take care of yourself. Do you have a need to be acknowledged, to be right, to be in control, to be loved? There are so many people who lived their lives without realizing their dreams and most of them end up being stressed or even depressed for that matter. List your top four needs and get them met before it's too late!

4. Know your passions 

You know who you are and what you truly enjoy in life. Obstacles like doubt and lack of enthusiasm will only hinder you, but will not derail your chance to become the person you ought to be. Express yourself and honor the people who has inspired you to become the very person you wanted to be.

5. Live from the inside out 

Increase your awareness of your inner wisdom by regularly reflecting in silence. Commune with nature. Breathe deeply to quiet your distracted mind. For most of us city slickers it's hard to even find the peace and quiet we want even in our own home. In my case I often just sit in a dimly lit room and play some classical music. There's sound, yes, but music does soothe the savage beast.

6. Honor your strengths 

What are your positive traits? What special talents do you have? List three - if you get stuck, ask those closest to you to help identify these. Are you imaginative, witty, good with your hands? Find ways to express your authentic self through your strengths. You can increase your self-confidence when you can share what you know to others.

7. Serve others 

When you live authentically, you may find that you develop an interconnected sense of being. When you are true to who you are, living your purpose and giving of your talents to the world around you, you give back in service what you came to share with others -your spirit - your essence. The rewards for sharing your gift with those close to you is indeed rewarding, much more if it were to be the eyes of a stranger who can appreciate what you have done to them.

Self-improvement is indeed one type of work that is worth it. It shouldn't always be within the confines of an office building, or maybe in the four corners of your own room. The difference lies within ourselves and how much we want to change for the better.

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# 1 International Author Titus Maduwa

* Your 5 minutes daily program to Stress management By Titus Maduwa

We all have this favorite expression when it comes to being stressed out, and I wouldn't bother naming all of them since it may also vary in different languages. But when it comes down to it, I think that it is how we work or even relax, for that matter that triggers stress. Ever been stressed even when you're well relaxed and bored? I know I have.

Since Error! Hyperlink reference not valid. is unavoidable in life, it is important to find ways to decrease and prevent stressful incidents and decrease negative reactions to stress. Here are some of the things that can be done by just remembering it, since life is basically a routine to follow like brushing your teeth or eating breakfast. You can do a few of them in a longer span of time, but as they say-- every minute counts.

Managing time

Time management skills can allow you more time with your family and friends and possibly increase your performance and productivity. This will help reduce your stress.

To improve your time management:

· Save time by focusing and concentrating, delegating, and scheduling time for yourself. 

· Keep a record of how you spend your time, including work, family, and leisure time. 

· Prioritize your time by rating tasks by importance and urgency. Redirect your time to those activities that are important and meaningful to you. 

· Manage your commitments by not over- or under-committing. Don't commit to what is not important to you. 

· Deal with procrastination by using a day planner, breaking large projects into smaller ones, and setting short-term deadlines. 

· Examine your beliefs to reduce conflict between what you believe and what your life is like. 

Build healthy coping strategies

It is important that you identify your coping strategies. One way to do this is by recording the stressful event, your reaction, and how you cope in a stress journal. With this information, you can work to change unhealthy coping strategies into healthy ones-those that help you focus on the positive and what you can change or control in your life.

Lifestyle

Some behaviors and lifestyle choices affect your stress level. They may not cause stress directly, but they can interfere with the ways your body seeks relief from stress. Try to:

· Balance personal, work, and family needs and obligations. 

· Have a sense of purpose in life. 

· Get enough sleep, since your body recovers from the stresses of the day while you are sleeping. 

· Eat a balanced diet for a nutritional defense against stress. 

· Get moderate exercise throughout the week. 

· Limit your consumption of alcohol. 

· Don't smoke. 

Social support

Social support is a major factor in how we experience stress. Social support is the positive support you receive from family, friends, and the community. It is the knowledge that you are cared for, loved, esteemed, and valued. More and more research indicates a strong relationship between social support and better mental and physical health.

Changing thinking

When an event triggers negative thoughts, you may experience fear, insecurity, anxiety, depression, rage, guilt, and a sense of worthlessness or powerlessness. These emotions trigger the body's stress, just as an actual threat does. Dealing with your negative thoughts and how you see things can help reduce stress.

· Thought-stopping helps you stop a negative thought to help eliminate stress. 

· Disproving irrational thoughts helps you to avoid exaggerating the negative thought, anticipating the worst, and interpreting an event incorrectly. 

· Problem solving helps you identify all aspects of a stressful event and find ways to deal with it. 

· Changing your communication style helps you communicate in a way that makes your views known without making others feel put down, hostile, or intimidated. This reduces the stress that comes from poor communication. Use the assertiveness ladder to improve your communication style. 

Even writers like me can get stressed even though we're just using our hands to do the talking, but having to sit for 7 or 8 hours is already stressful enough and have our own way to relieve stress. Whether you're the mail guy, the CEO, or probably the average working parent, stress is one unwanted visitor you would love to boot out of your homes, especially your life.

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# 1 International Author Titus Maduwa

Series #1. Health Tips EVERY Health Enthusiast Should Know!”-by Titus Maduwa

1. Breakfast is the most vital meal. It should not be missed in order to refuel your body from functional metabolic changes during long hours of sleep. It is best to include carbohydrates, fats and proteins for an ideal nutrition such as combinations of fresh fruits, bread toast and breakfast cereals with milk.

2. Maintain a well balanced diet for a healthy living. A well balanced diet is eating different kinds of nutritious foods in proportion. It will boost your energy and will improve your welfare. Excessive as well as deficiency of specific vitamins and minerals can also cause undesirable effects to your health.

3. Be conscious on how much salt you take in during snacks and meals. The table salt is sodium chloride which is widely used as flavor enhancer. High sodium intake is a risk factor for diseases like high blood, heartburn, osteoporosis and other cardiovascular diseases. Limit sodium intake by just reducing your consumption of salty foods without taking the option of salt substitutes.

4. Stay away from buffet or eat-all-you-can meals because it will possibly tempt you to eat too much to get a fair value of what you have paid. Otherwise, you can go for nutritious foods such as fresh fruits, vegetable salads and low fat foods. Stand firm and resist your craving to refill your plate for the second time. 
    

Author- Titus Maduwa

Even if I take a wrong turn, I can find another route to success-by Titus Maduwa

If I steer my vessel in the wrong direction, I can find a map and chart out a new course.  Stopping is not an option. I will find my way as long as I keep my eyes on the prize.

Success is a journey, not a destination. That is why I strive to make each step count. A positive attitude helps me move forward and, even when I am unsure of where I am, I am not lost. Instead, I choose to become a trailblazer. The generation coming behind me will have access to another route thanks to my resolve to stay the course and forge a new path.

When I come to a fork in the road I trust my intuition to guide me. Being spontaneous in this way helps me release my inner self and experience success in a new way.  Spontaneity gives me freedom.

Missing a turn causes me no panic because I know that I have countless options; I am not limited to only one way. A wrong turn may lead me to find a new way. The opportunity to explore the unknown excites me.

 

Although it feels daring to get off the fast-paced highway of life and take the scenic route, detours can be worthwhile because they lead me to discover the beautiful things in life that I otherwise may have missed. The road less traveled is filled with the most stunning sights.

Flexibility allows me to prosper despite failure. Being flexible gives me the strength to keep going when I would rather stop.

Self-Reflection Questions:

1. What do I do when I reach a dead end?
2. How might I become less rigid and more flexible?
3. What changes can I make to ensure that I enjoy the journey just as much as the end reward?

Author-Titus Maduwa

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